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第1026章 劣币驱逐良币

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听到唐毅能鼓捣出三千万元,三位阁老不是喜悦,而是惊骇和深深的忧虑。更多小说ltxs520.com@中文@小说w.。互相看了看,还是让最懂经济的张居正和唐毅谈谈吧。

“元辅,距离合盛元遭到挤兑关门,还不到两年时间,再度大发货币,是否妥当?再有,据我所知,合盛元是一分抵押,发五分的银元和银行券,元辅骤然增加到十倍,唯恐承担不住啊!”

在金银本位的时代,要发行货币,必须有足够的储备,按照合盛元的经验,储存一百两的银子,大约可以发五百两的银行券,也就是一比五的放大比例。

这里面就有整整四倍的暴利,印刷几张纸,就能变成实打实的银子,也怪以晋商的深沉和算计,尚且要义无反顾跳进去,实在是太诱人了。

不过晋商失败了,唐毅玩得比晋商还大,谁的心里头都没准谱儿。

“要是连续两次失败,大明的金融系统将遭到毁灭打击,从此一蹶不振,只怕没有几十年,恢复不过来。”赵贞吉忧心忡忡道。

高拱也开口了,“想来首辅应该有设想,可否如实相告?”

咱们别玩花样了,天下可经不起折腾了。

“大洲公,中玄公,太岳兄,你们的担忧我都知道,若是没有足够的胆气,我也不敢胡来。其实要想维持大明储蓄银行的信用,也不难,只要一招就可以!”

“什么?”三个人异口同声道。

“把朝廷的银子存入银行!”

……

京城前门外,前门大街张灯结彩,大明储蓄银行,高朋满座,胜友如云。相比起一年之前,为了应付危机,匆匆成立,要热闹多了。

吴天成穿着三品冠带,站在门口,迎接客人,笑得脸僵了,口干了,舌燥了,可是心里头却是美出了鼻涕泡。

自从接手合盛元的烂摊子之后,虽然从晋商手里拿到了许多财产,可是光有东西不行,银行需要的是流动性,吸不进银子,各方不时挤兑,每时每刻都在往外掏钱,打开了安南和朝鲜的市场,算是走出去的第一步,可是也仅仅能做到收支平衡。

眼看着仓库的银子越来越少,饶是交通行一系的人马家底儿深厚,也吃不消。

开银行不赚钱,还干什么劲儿啊?

吴天成面对着各方的质问,脑袋都要炸了,好在一切自从倭国的金银流入,一切都改变了。

“其实大明的金银存量也不算太少,只要能流动起来,还是足够支应的。现在的问题是信心十足提不起来,而这一笔银子,就是最重的一个砝码,有了源头活水,一切就好了。”

“这点活水不嫌少吗?”

“一点也不少,关口是让大家伙以为有就成了。”吴天成大着胆子解释道。

张居正不由得为之气结,这家伙和他师父一个德行,朝廷的大事,能任由你们胡来吗?万一出了差池,衙门都要跟着赔进去!

“张阁老,信用货币,就是这么个玩意,说是真的,能换出真金白银,他就是真的,说是假的,就是一张纸,偏偏又谁都离不开。您要总是说‘万一如何’,那这世上的事情就办不成了,至少下官敢说,这一次的风险比起师父和您诸位的隆庆新政小多了……”

吴天成这家伙执掌了大明储蓄银行,朝廷赏了三品乌纱,虽然比起尚书低了两级,和内阁的阁老,更是没法相提并论。

可是吴天成心里清楚,从此之后,他就是大明金融的王者,满朝文武,甚至皇室上下都要看他的脸色。

要说天底下,还有人让吴天成忌惮,那就只剩下唐毅了。

金权,皇权,相权,这是并驾齐驱的!

吴天成信誓旦旦,张居正自恃身份,也不想争了,耳听为虚,眼见为实,就看看能如何吧?

刚喝了两口茶,就听外面有人吵了起来。

“大人,请您出去呢!”

吴天成笑呵呵冲着张居正拱手,来到了外面,只见正中坐着户部尚书王国光,两边有京中的富商,也有从天南地北来的朋友。

见吴天成出来,有人就立刻问道:“吴大人,我们刚刚看了贵行的银元,似乎成色比起当初的‘关元’差了一筹啊?”

“没错。”吴天成一口答应,“这一次的银元含银量只有七成三,其余是铜。”

啊!

少了一成七?

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